Welcome to Bat Kredit’s Privacy Policy. This document explains our identity, how we handle your personal information, and the measures we employ to protect your data, ensuring security and transparency in our relationship with you. Bat Kredit is committed to protecting your personal information in accordance with the Information Technology Act, 2000 (IT Act 2000), the Digital Personal Data Protection Act, 2023 (DPDP Act 2023), and other relevant Indian privacy laws.
First, who is Bat Kredit?
We are Bat Kredit, a platform dedicated to providing valuable financial information to you in an accessible, clear, and efficient manner. Our aim is to assist you in understanding and selecting financial products and services that best align with your needs and preferences. We are dedicated to enabling you to make well-informed financial decisions, always prioritizing transparency and security. We deeply value your privacy and are committed to safeguarding your personal information.
We recognize the importance of clearly explaining how we process your information, particularly within our group of companies. This Privacy Policy details how your personal information is utilized on our website to promote both our services and those of external parties. It is important to acknowledge that this policy does not extend to third-party websites or services beyond our control, and we are not liable for your interactions with those entities.
To begin, what constitutes data, and what types of data are we addressing?
To provide clarity, it is essential to define specific terms that will be used throughout this Policy:
- Personal Information: Any information, obtained by Bat Kredit and its affiliates from various sources, including public sources, that can be used to identify you, either directly or when combined with other data. This encompasses information in any format, such as electronic records or physical documents.
- Non-Personal Information: Information that does not enable your individual identification, such as data about website visits, access times, clicked hyperlinks, and other anonymous data.
- User: Any individual or entity accessing or utilizing our services, referred to as “you” throughout this policy.
How do we access your data?
We access your information through the following methods, with your consent obtained where necessary:
- Information You Provide: Details you submit when registering, completing forms, or accessing resources like e-books, including your name, email, phone number, address, and birth date.
- Third-Party Information: Data we may gather from public sources, service providers, and partners, including social networks, with your explicit authorization.
- Browsing Information: Data collected about your activity on our website, such as pages visited, access times, IP address, device details, and location data, even if you choose not to register.
Why do we use your data?
Bat Kredit is a financial platform focused on enhancing the financial well-being of our users by providing knowledge and guidance for selecting optimal banking products and services. To achieve this, we employ advanced technology to recommend financial products and services tailored to your specific circumstances and needs. This personalization necessitates understanding your identity, which involves the collection and analysis of your data to provide relevant suggestions from both our offerings and those of external parties.
To address the question of how Bat Kredit sustains its operations while offering free suggestions:
Our primary revenue source, crucial for website maintenance and technology investments, is the display of advertisements related to financial products and services. This practice of targeted, data-driven advertising is both legitimate and effective, enabling you to see advertisements relevant to your interests while supporting the provision of our free content.
It’s important to note that we utilize third-party services for displaying these advertisements. These advertisements may use cookies or web beacons to gather data about your interactions, such as clicks or interest in displayed products or services. However, Bat Kredit does not access or control this data collection by third parties. For further details, please consult our Cookie Policy.
Bat Kredit uses advertisements from the Google AdSense network, which relies on cookies to display ads based on your browsing preferences and habits. Technologies like the DART Cookie enable the display of personalized advertisements based on your browsing activity.
While certain Bat Kredit features are accessible without registration, utilizing tools like financial product comparison or requesting specific products and services may require prior registration and the provision of personal data, such as your name and email address.
How do we use your data?
Bat Kredit uses your data to:
- Ensure accurate and secure identification: To verify your identity, protect your security, and prevent fraud.
- Deliver personalized product and service recommendations: To analyze your profile and suggest relevant products and services, both our own and those of external parties, thereby personalizing your experience on our platform.
- Enhance communication: To improve our interactions with you by sending emails containing relevant content, offers, and news.
- Conduct research and technological advancement: To utilize your data for research purposes and to refine our data processing technologies, such as user profiling, while anonymizing the data.
Does Bat Kredit share your data?
First and foremost, Bat Kredit does not engage in the sale of your personal data. However, we may share your personal data with companies within our corporate group and with external parties under specific circumstances and in compliance with applicable laws:
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- Bat Kredit operates multiple domains within the financial sector, all identified as part of our corporate group. These affiliated sites may process your data to provide content, products, and services aligned with our business activities.
- With external parties or partners, our standard practice is to share only non-personal data, such as behavioral data. However, your personal data may be shared to facilitate recommendations for products and services that best align with your needs or to deliver products and/or services you have requested, contingent on your interest.
- Our partners are authorized to use your personal data solely for the agreed-upon purposes. They are strictly prohibited from using this data for any other reason beyond the contractually defined scope. Any entity accessing your personal data is obligated to handle it according to this Privacy Policy and relevant privacy and data protection laws.
- We share your personal data for administrative functions, including research, planning, service development, and security and risk management.
- We may also disclose your data when legally required, in response to a competent authority’s order, or by judicial decree.
- Bat Kredit reserves the right to cooperate with judicial or governmental bodies. We may share your personal data to establish or exercise our legal rights, safeguard our property, or when deemed necessary to cooperate in enforcing contracts and agreements or to protect the rights, property, or safety of our employees and/or users.
- In cases of compliance with administrative requests, we may provide information to authorities, provided you authorize it, as outlined in our Terms and Conditions of Use.
What are your rights, and how can you reach us?
As a data subject, it is crucial for you to understand your rights to access and manage your data. Upon request to Bat Kredit, you are entitled to:
- Obtain confirmation of whether your data is being processed.
- Access your personal data.
- Correct any incomplete, inaccurate, or outdated data.
- Request anonymization, blocking, or deletion of data that is unnecessary, excessive, or processed in violation of applicable Indian law.
- Request data portability to another service or product provider, given an explicit request and in accordance with regulatory guidelines, while respecting Bat Kredit’s trade and industrial secrets.
- Request the erasure of personal data processed based on your consent, except where retention is mandated by applicable Indian law.
- Receive information about public and private entities with whom Bat Kredit has shared your data.
- Receive information about the option to withhold consent and the consequences of doing so, beyond what is already detailed in this Policy.
You have the ability to modify your browser’s cookie settings at any time. However, disabling cookies may impair certain Bat Kredit functionalities and affect your platform experience.
To disable the DART Cookie, you can visit Google’s advertising and content network privacy policy page. For broader control over Google’s cookie usage, you can access Google’s official settings page.
For any inquiries, requests, complaints, or if you require further information about our platform’s offerings, you can contact us via online chat or by sending an email to [email protected].
This contact channel is also available for addressing any concerns about the handling of your personal data or if you believe your information has been processed in a manner inconsistent with this Policy or your data subject rights.
How Do We Safeguard Your Data?
Bat Kredit employs constantly evolving practices and technologies, adapting to both national and international technical and regulatory developments. We implement a range of security measures to protect your data from unauthorized access, misuse, alteration, disclosure, or destruction. These measures encompass physical and logical data protection, communication encryption, access controls, secure software development, internal compliance protocols, and risk mitigation strategies throughout the data lifecycle. Your data is also stored within secure and globally recognized databases, such as Google Cloud.
While we dedicate our utmost efforts to data security, we acknowledge that no system, including our services, databases, or business group components, can be entirely impervious to breaches. In the event of any incident that compromises the security of your data, we commit to taking swift action to inform you and implement remedial measures.
IMPORTANT INFORMATION! PLEASE READ CAREFULLY!
By accessing and/or using the Bat Kredit website, you acknowledge and confirm that:
- You are at least 18 (eighteen) years of age and possess the full legal capacity to agree to this Privacy Policy. If you do not meet this criterion, you must refrain from accessing or using Bat Kredit’s services or any of its associated websites and services.
- Bat Kredit adheres to international security standards and norms for data storage, protection, privacy, and transmission, although no security method can provide absolute security.
- Bat Kredit will never send emails requesting payments or confirmation of your personal data.
- Bat Kredit may conduct research using your data history to enhance your profile and provide personalized product and service recommendations aligned with your preferences and needs.
- Bat Kredit and its partners may invite you to participate in surveys to gather feedback and improve our systems, products, content, and services.
- If you contact us to report an issue, ask a question, or seek assistance, Bat Kredit may collect and retain information related to that interaction, including messages and data necessary for investigating and resolving your inquiry. This information will also contribute to improving our services and your experience on the platform.
Privacy Policy Updates
Given the dynamic nature of the digital landscape, we reserve the right to revise and update this Policy periodically. We encourage you to review this page regularly to stay informed about our current data handling practices. Your continued use of our services implies your awareness and acceptance of any changes.
In compliance with recognized data protection standards, we have appointed a Data Protection Officer (DPO). For any inquiries or requests, please contact them via email at [email protected].
Date of Last Update: April 11, 2025